
Fraud claim denied, help!!!
I’m looking for advice because I’m really frustrated and confused about a fraudulent charge on my Capital One card.
A few days ago, I received an Apple Pay notification that my Capital One card had been used for a purchase of around $900 from a Vietnamese business. I immediately knew the transaction was not mine. I did not make the purchase or authorize anyone else to use my card.
I contacted Capital One and disputed the transaction. However, they told me they could not determine that the transaction was unauthorized because it was made through Apple Pay, which they consider very secure. As a result, they denied my dispute and I have not been reimbursed.
What is confusing to me is that I have my Capital One card in my own Apple Wallet, and I know that adding a card to Apple Pay can involve an additional verification process through the card issuer.
So I’m trying to understand:
How could someone make an Apple Pay purchase with my card if I didn’t authorize it?
Could someone have added my card to their Apple Wallet?
Wouldn’t Capital One normally require verification before allowing the card to be added to another device?
I have already locked the card, but I’m trying to figure out what actually happened and what my options are for getting the $900 back.